Business Credit Card Rates and Fees

Credit card rates and fees table.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	5.99% Introductory APR for 6 months, based on your creditworthiness; borrower must qualify. After that, your standard APR for Purchases will be:
	17.99% APR This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Cash Advances	17.99% This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	17.99% APR This APR may be applied if your minimum required payment more than 45 days late at any time. How Long Will the Penalty APR Apply? The Penalty APR will apply until you make six consecutive minimum payments when due.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date each month. We will charge you interest on Cash Advances beginning on the transaction posting date.
Minimum Interest Charge	None
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.
Fees
Transaction Fees
Foreign Transaction Fees	Up to 1.1% of each transaction in U.S. Dollars
Overdraft Protection Transfer Fee	$4.00
Penalty Fees
Late Payment	Up to $30.00
Returned Payment	$29.00
Over Credit Limit	$30.00

How We Will Calculate Your Balance: We use a method called "average daily balance” (including new purchases). See your Smart Business Cashback Credit Card Agreement and Disclosure for more details.

Periodic Rate Information: The daily periodic rate for standard APR Purchases is 0.0493%. The daily periodic rate for Cash Advance and Penalty APRs is 0.0493%.

Introductory Rate/APR: The Introductory Rate for Purchases is available to borrowers who meet our minimum credit score and underwriting criteria. Borrower must qualify. Credit Card Purchases made during the first six (6) months from the date your Credit Card Account is opened qualify for the 5.99% APR Introductory Rate for the first six (6) billing cycles. At 5.99% APR, the corresponding daily periodic rate is 0.0164%. Once the Introductory Rate period has ended, the rate applied to any remaining outstanding balance for those transactions will be subject to the standard variable APR and daily periodic rates for Purchases by adding the applicable Index Value to your Margin. All other transactions conducted during the Introductory period, such as Cash Advances, are subject to the variable non-discounted Annual Percentage Rate and corresponding non-discounted daily periodic rate.

Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if your minimum required payment is more than 45 days late at any time.

Billing Rights: For information on your rights to dispute transactions and how to exercise those rights refer to the Smart Business Cashback Credit Card Agreement and Disclosure.

Rates and Terms are accurate as of .
Rates and Terms are Subject to Change without Notice.
Contact Logix at (800) 328-5328 to obtain the most recent information.